[토스뱅크 성장공식]③ 여신 불어도 부실 낮췄다…입증된 '성장 여력'

Toss Bank proved that rapid lending growth and financial stability aren't mutually exclusive, simultaneously improving asset quality, capital ratios, and reserve adequacy. This validates their strategy of shifting toward secured lending, demonstrating a sustainable growth model for internet banking that balances expansion with risk management.